The verdict in three sentences
In 2026, a B2B online payment module with net terms costs between 3 and 9 million FCFA (roughly 4,600-13,700 EUR) depending on the granularity of credit management and dunning. The B2B subject is not the bank card: it is customer credit (30/60-day terms) managed directly online, with credit limits, automated dunning and payment via Wave/Orange Money/card at settlement. Well run, this module cuts DSO by 10 to 20 % and eases working-capital needs.
B2B payment means and their logic
In B2B, immediate payment coexists with net terms. The module must handle both, plus the credit limit authorised per customer.
| Means / mechanism | B2B use | 2026 range (FCFA) |
|---|---|---|
| Customer credit + limit | Authorised credit per account | 1,000,000 - 2,500,000 |
| 30/60-day net terms | Deferred invoicing | 800,000 - 2,000,000 |
| Automated dunning | Reminders before/after due date | 600,000 - 1,500,000 |
| Wave / Orange Money | Mobile settlement | 500,000 - 1,200,000 |
| Card / bank transfer | Immediate settlement | 400,000 - 1,000,000 |
| Credit / DSO dashboard | Financial steering | 700,000 - 1,800,000 |
A core (credit + terms + dunning) fits within 3-5 M FCFA. With Wave/OM, card and a full DSO dashboard, you climb toward 7-9 M FCFA. The timeline is 6 to 10 weeks.
Impact on working capital and DSO
The real financial gain comes from cutting the average payment delay (DSO) through automated dunning and online payment at the due date.
| Metric | Before (manual) | After net-terms module |
|---|---|---|
| Average DSO | 55 - 70 days | -10 to -20 % |
| Dunning performed | Partial | 100 % automated |
| Late payments | 25 - 35 % | 12 - 18 % |
| Collection time / month | High | Divided by 3 |
| Credit visibility | Low | Real time |
Mini case study
Aminata is CFO of a food distributor in Dublin: average customer credit of 180 M FCFA, DSO of 62 days. She invests 7 M FCFA in a B2B payment module with credit limits, 30/60-day terms, automated dunning and Wave/OM. DSO falls 15 % (to 53 days), freeing about 180 M x 9/62 = ~26 M FCFA in cash. At a 12 %/year financing cost, the carrying saving is on the order of 3 M FCFA/year, and the module pays back in the first year on freed cash alone.
FAQ
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How much does a B2B net-terms payment module cost in 2026?
Between 3 and 9 million FCFA. A credit + terms + dunning core fits within 3-5 M FCFA; Wave/OM, card and DSO steering climb toward 9 M FCFA.
Can we cap credit per customer?
Yes. Each account has a credit limit; beyond it, the order is blocked or sent for approval. This protects cash against unpaid invoices.
Do Wave and Orange Money handle net terms?
Wave and OM handle settlement at the due date or a deposit. The term itself is managed by the module (deferred invoicing), then paid via Wave/OM/card.
How much does DSO drop?
As an order of magnitude, 10 to 20 % thanks to automated dunning and online payment. On large credit balances, this frees significant cash.
What is the setup timeline?
Between 6 and 10 weeks depending on the number of payment means and the granularity of dunning and the DSO dashboard.
Let's scope your project. Share your average credit balance, your current DSO and your target payment means, and we will cost the module and its cash impact. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
